I blame more and lost trust on IRDA, OMBUDSMEN or regularity authorities when their roles are inactive and dance to the tune of Insurance Companies without taking any action on insurance companies when such companies purposefully cheat, deprive the prospect/ customer violating the guide lines/ laws laid by IRDA and mis sale without considering age and senor citizen. Insurance companies got a clean cheat from IRDA to victimise the senior citizen as well, as my complaint/ issue had not been heard by them at all as per their own guide line/ law and stand by with HDFC LIFE. I am a 70 yrs old senior citizen. The mislead action of HDFC LIFE's employees at HDFC LIFE, VASHI Office made a return of 8.0 lacs (approx) out of investment Rs.20.0 lacs after 8 yrs making my and my wife's life miserable to survive. IRDA is silent about the misdeeds made by HDFC LIfe violating their own clauses/ guide lines/ law..